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Original filing (PDF)20251009164953NAL0016130610001
LUTRA, LLC
Form 5500
FILING_RECEIVED
LUTRA, LLC 401(K) PLAN
401(k) retirement plan
Active participants
163
Accounts w/ balance
187
Plan assets (EOY)
$17.2M
Net assets (EOY)
$17.2M
How this plan invests
This plan
24 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
100
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
100
Vendor stack
100
Participation health
100
Helping the score
- Below-peer total fees (3 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for LUTRA, LLC.
Plan sponsor
Name
LUTRA, LLC
EIN
37-1694783
Address
401 W. MOUNTAIN AVE. · FORT COLLINS, CO · 80521
Phone
(970) 498-2265
Industry
Admin Support & Waste Mgmtsee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-09
Pension benefit codes
2E · Profit-sharing
2F · ERISA section 404(c)
2G · Total participant-directed accounts
2J · 401(k) feature
2K · 401(m) arrangement
2T · Default investment account (QDIA)
3B · Covers self-employed individuals
3H · Sponsor in controlled / affiliated group
2U · Association Retirement Plan
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
BDO USA, P.C.
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsRecordkeeper
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| FIDELITY INVESTMENTS INSTITUTIONAL | 04-2647786 | — | RECORDKEEPER | -$2K | — |
Advisor / Consultant
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| STRATEGIC ADVISORS, INC. | 04-2654524 | — | ADVISOR | $7K | — |
Investments
24 direct securities· $17.2M(100% of reported assets)
Uncategorized
$17.1M
23 holdings
Mutual Funds
$93K
1 holding
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Fidelity Freedom 2045 Fund | — | — | — | $3.0M | 17.5% | |
| Fidelity Large Cap Index | — | — | — | $2.0M | 11.7% | |
| Fidelity Freedom 2035 Fund | — | — | — | $1.4M | 8.3% | |
| Fidelity Freedom 2040 Fund | — | — | — | $1.4M | 8.1% | |
| Fidelity 500 Index Fund | — | — | — | $1.2M | 6.9% | |
| Fidelity Freedom 2050 Fund | — | — | — | $1.2M | 6.7% | |
| American Funds EuroPacific Growth | — | — | — | $1.1M | 6.5% | |
| Fidelity Freedom 2055 Fund | — | — | — | $1.1M | 6.3% | |
| Fidelity Freedom 2030 Fund | — | — | — | $1.0M | 5.9% | |
| Goldman Sachs International Small Cap | — | — | — | $677K | 3.9% | |
| American Funds US Government Money Market | — | — | — | $556K | 3.2% | |
| Fidelity Mid Cap Index | — | — | — | $510K | 3.0% | |
| Fidelity Large Cap Value Index Find | — | — | — | $377K | 2.2% | |
| Fidelity Freedom 2025 Fund | — | — | — | $321K | 1.9% | |
| Fidelity Small Cap Index | — | — | — | $304K | 1.8% | |
| American Funds Bond Fund of America | — | — | — | $257K | 1.5% | |
| Fidelity Freedom 2060 Fund | — | — | — | $192K | 1.1% | |
| JP Morgan Short Duration Bond | — | — | — | $155K | 0.9% | |
| JP Morgan Hedged Equity | Mutual Funds | — | — | $93K | 0.5% | |
| Notes Receivable from Participants (Loans) Interest rates at 4.25% to 9.5% - | — | — | — | $93K | 0.5% | |
| Fidelity Freedom 2065 Fund | — | — | — | $77K | 0.4% | |
| Fidelity Freedom 2020 Fund | — | — | — | $55K | 0.3% | |
| Berstein Alternative MultiStrategy | — | — | — | $36K | 0.2% | |
| PIMCO International Bond | — | — | — | $15K | <0.1% |
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